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債務整理をする前に読みたい。スマホ代ってどうなるの?そんな時にも格安SIMがおすすめ - SIM×SimFree

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債務整理をする前に読みたい。スマホ代ってどうなるの?そんな時にも格安SIMがおすすめ

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意外に知られていないのが自己破産したなどではないでしょうか。

『今使っているスマホ代ってどうなるの?』という質問がたまにありますが、結論から言うと使えます。

ただ何点か注意するところもあるので、しっかり読んで出来ることと出来ないことを覚えておきましょう。

 

債務整理をしたらスマホは使い続けられるのか

自己破産する前の支払状況やスマホ本体の支払いが終わっているか?などの状況によって変わってきます。

もちろん月々の通信費やスマホ本体の代金も免責の対象なんですが、通信費を滞納していたりすると債務整理後の契約ができるかどうか怪しくなってきます。

1番ダメなケース

スマホ本体の代金と毎月の通信費を滞納している場合には、色々とまずいことになってしまいます。

最近のキャリアプランは機種代金を含んだプランになっていますから、スマホをローンで購入しているのと同じ扱いになっています。

そうなってくると立派な借金ですから、債務整理の対象になってきます。

今はキャリア間で滞納者情報も共有していますから、通信費などを滞納したまま債務整理をおこなうと強制解約になってしまって、その後に契約自体が出来なくなってしまいます。

スマホが無いと色々不便ですから、債務整理をする前には滞納分をしっかりと支払って強制解約は回避した方が得策です。

もしもスマホの機種代が払い終わっている場合

機種代さえ払い終わっていればすぐにでもスマホ代を節約するべきです。

自己破産後というのは色々と制限が付けられていますし、もしもキャリアに契約を断られてしまうとスマホ自体が使えなくなってしまいます。

そうならないためにも節約の方法を学んで毎月の固定費を減らしておきましょう。

スマホの機種代金が払い終わっている場合には、すぐにでも格安SIMに乗換えるべきです。

格安SIMではキャリアと違って格安でスマホを使うことが出来てしまいます。

通信会社 ドコモかけ放題+2GBプラン マイネオ60分通話定額+3GBプラン
利用料金 6,500円 3,280円

格安SIMにするだけで、なんと通信費が役半額になってしまいます。

債務整理後のスマホ代を節約することで、毎月の通信費を節約すれば生活費の足しになるのでオススメです。

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